The need for long-term care does not discriminate.  No matter what your income is, your marital status, or any other demographics that come into play – when you need long-term care, you need long-term care. Clients with families and children typically consider themselves to have a “default”...

Most people will need long-term care services at some point during their lives, and the costs can be staggering. Asset Based Long-Term Care offers your clients an efficient way to plan for these potential expenses with LTC coverage plus as well as a death benefit for cost recovery. Four potential...

Bringing up the subject of Long-Term Care (LTC) Insurance is not always easy, but changes may have happened in your clients’ lives that make this the year to talk about LTC. The annual financial review is a great time to discuss changes that may have occurred over the past year, and proactively plan...

If everybody knows referrals are a good way to find prospective clients, why does asking for them seem so hard? Many producers think a request for referrals will come across as imposing or rude.  But think of it this way: asking clients for names of people who are just like them actually can be considered...

Preparing for a State Mandated Long-Term Care Payroll Tax Tuesday, March 28th - 10.00 AM to 10.30 AM PST After the State of Washington became the first state to implement a new payroll tax to fund a minimum level of Long-Term Care for W2 wage earners, additional states are ramping up their efforts...

Some carriers like to claim that your clients don’t need Long-Term Care (LTC) protection beyond the average length of a care need.  But preparing for only the average length of a care need can leave a large gap. The Story of Averages The average length of an LTC need is typically longer for women...

The higher interest rate environment has finally trickled down to the world of Long-Term Care! Multiple carriers have recently announced substantial premium reductions on Hybrid LTC solutions ranging from 10-25%. Contact the CPS LTC Team at (949) 863-0700 Option 3 to update old quotes or find out what...